Thunder Bay Car Insurance: Compare Cheap Auto Insurance Quotes

1-855-550-5515

Drivers can save up to $754* by comparing cheap rates for car insurance in Thunder Bay.

Compare Thunder Bay car insurance quotes from the leading providers

See all providers

Find lower auto insurance rates in Thunder Bay

Thunder Bay residents have a greater reliance on their vehicle, and car insurance as a result. The great news is the cost of auto insurance in Thunder Bay is significantly lower compared to the rest of the province.

At ThinkInsure, comparing quotes for Thunder Bay auto insurance is quick and easy. We’ll are partners with the top insurance companies in Canada so we can help you find the coverage you need at the lowest rates. You can compare quotes online or give us a call and our team of licensed brokers will be happy to complete a quote for you. Get more affordable car insurance in Thunder Bay today!

How to compare Thunder Bay car insurance quotes

It's easy! Just complete these quick steps and start saving.

1) Start your quote

Enter your postal code and some basic information.

2) Enter your driving details

Provide your driving and vehicle information.

3) Compare quotes

See rates from the leading companies.

Choose your policy

Choose the best rate. Confirm the details with our experts and buy your insurance.

Get Started

5-star car insurance in Thunder Bay

Rated 4.7 out of 5 stars in 1378 Google reviews

See what our car insurance customers are saying about us.

See all reviews

Robert Storey

2024-04-19

Thanks to Evan for his great advice and great service!

SHIRAZ HUDDA

2024-04-17

Great experience with Todd Allen, very personable and excellent customer service! Highly recommend wish I knew earlier could have saved thousand$

Paul Ricketts

2024-04-16

I would like you to know how thankful i am to have been assisted by Neil Sullivan. His courteous, prompt and thorough service should be acknowledged and applauded.

Eric Kim

2024-04-11

**Updated to 5-stars - Felicia (Supervisor) called almost immediately after this review went up - validated my concerns (ie. confirmed with system notes, that I wasn't crazy), checked everything was good now on my end, and will use the experience as coaching points. This one call has completely changed my view** Terrible broker. I was "assigned" to them when I signed up for CAA insurance (via CAA's website). In the last two weeks alone, I've had to follow up with several different agents on my request (updates to my policy, because the initial set up was also incorrect for deductible, coverage, etc). It's almost as if the agent listens to my words, says they'll get to it and call back, but in reality just hang up and move on. I mean, they're all super friendly on the phone, but actions speak louder than words, and there hasn't been much action on their end. Easily the worst insurance broker I've interacted with.

M Matin

2024-04-08

Shakir was very professional and friendly, excellent service!

Jennifer Kan-Hodgson

2024-04-07

Todd Allen is prompt, efficient and courteous! Thinkinsure has the best rates!

Dan

2024-04-04

Todd Allen was able to help me find a low rate for home and auto. Thanks Todd!

Matt Amaral

2024-04-04

I had my first call with Bailey Molella, and right from that call I knew I was good hands with getting me a suitable quote for my insurance . I had to do some thinking about it still so I let Bailey know that I would contact him at a later date , and he was very understanding . When I did call back it was like we had just picked up from where we had left off , lots of support lots of help from him in making sure I had the right insurance company to move forward with . He was an absolute pleasure working with and highly recommend having him as your broker .

How car insurance in Thunder Bay works

Thunder Bay auto insurance rules are set at the provincial level. All drivers must have valid insurance and need to carry at least $200,000 in third-party liability. A no-fault system is used, and the FSRAO regulates the industry. Drivers can get insurance through private insurers and brokerages.

There are two parts to your coverage – mandatory and optional coverage. Here is what is included in each:

Mandatory auto insurance

This is legally required to be included in all policies:

Third-party liability: You have protection against legal liability if you cause an accident or damage to other property.
Statutory accident benefits: If you get injured in a car accident, this insurance policy will cover your medical expenses.
Direct compensation property damage: If you are not at fault for a collision, this coverage will cover the cost of your vehicle repairs. Effective from January 1, 2024, this coverage will be optional. You will be able to remove this coverage from your policy using OPCF 49, which will result in a reduction in your premiums. However, it is important to remember that by removing this coverage, you will be taking on additional financial responsibility in case of an accident. Therefore, it is highly recommended that you consult with your broker to determine if this option suits your situation.
Uninsured automobile: Protection in case you have an accident with a driver who does not have insurance.

Optional auto insurance

You have the option to add one or more of these types of coverage to enhance your policy:

Collision insurance: This refers to the coverage for any damage incurred during a collision.
Comprehensive insurance: This coverage provides protection against theft, vandalism, and damage that occurs when the vehicle is not being driven.
All perils: Your plan covers all potential risks except for those specifically excluded.
Specified perils: Your insurance policy only covers the risks that are explicitly mentioned.

You have the choice to increase your coverage limits. You can also include endorsements to personalize your plan. Get more information about Ontario car insurance and how the system works.

Latest Thunder Bay car insurance quotes

2024/04/25

Shopper in THUNDER BAY, ON
Vehicle: KIA SOUL EX 5DR 2021
CAA Connect	$910
CAA	$958
Pembridge	$1,014
Intact	$1,040
Savings from top 4 cheapest quotes	$130

2024/04/23

Shopper in THUNDER BAY, ON
Vehicle: HONDA CIVIC EX 4DR 2016
Pembridge	$1,943
Aviva Journey	$2,013
CAA Connect	$2,053
CAA My Pace	$2,104
Savings from top 4 cheapest quotes	$161

Tips for cheaper car insurance in Thunder Bay

All drivers in Thunder Bay want to save more on their auto insurance. Don’t you? The trick is knowing what to do to reduce your rates. Here’s how:

Work with a ThinkInsure broker: Working with our experts allows you to compare car insurance quotes from the top insurers.
Ask about discounts: Insurers offer many types of discounts. Inquire about the types of discounts you may qualify for.
Bundle: Combining insurance, or adding multiple vehicles to one policy will qualify you for a discount.
Review quotes: The only way to know if you are reducing your costs is to get an estimate.
Your car: Drive an insurance-friendly vehicle that has high safety ratings.
No claims: Stay accident and claims-free, insurers will reward you with savings.
Tickets and convictions: Be a good driver and follow the rules to stay ticket and conviction free.

Thunder Bay car insurance and driving advice

As the largest municipality in Northern Ontario, the city is a central transportation hub for the region. For drivers, this means lots of highway driving along Highway 11, Highway 17, the Thunder Bay Expressway, and Golf Links Road.

An amalgamation between two previously separate cities, Port Arthur and Fort William, residents and businesses rely heavily on vehicles for effective transportation. People in Thunder Bay need to have a car insurance policy that reflects their driving habits. Use these tips to drive safely:

Take on-road and off-road safety seriously: According to the Thunder Bay District Health Unit, on and off-road collisions are a leading cause of injury in the region. When driving, watch out for ATVs, snowmobiles, cyclists, and other vehicles.
Collisions are declining: According to a recent study, collisions in Thunder Bay have decreased by 8%.
Consider comprehensive : With a large wildlife population, the presence of off-road vehicles, severe weather, and many other risk factors, it’s recommended you get comprehensive coverage to ensure you are covered for all situations.
Watch out for potholes: Potholes are very common. The sudden change in temperature during spring creates perfect conditions. Watch out for them!
Watch out for flash flooding: Flash flooding is possible during the spring and summer, particularly on roads outside of city limits.
Winter tires are a must: Winters can be harsh and driving conditions can be dangerous. Use winter tires to drive during the winter months.

Thunder Bay car insurance FAQs

How much does car insurance in Thunder Bay cost?

While the average cost varies based on many factors, drivers in Thunder Bay with clean driving records can get car insurance for about $1,000 annually. Residents typically pay hundreds of dollars less per year than in other parts of the province.

How can you save on auto insurance in Thunder Bay?

There are many ways for Thunder Bay drivers to pay less for auto insurance. In addition to adjusting your policy, you can maintain a clean driving record, drive a safe vehicle, increase your deductible, and live in a low-crime neighbourhood.

What are the best insurance companies in Thunder Bay?

No one insurance company is the best provider of car insurance in Thunder Bay. You can get quotes and compare options from all the top providers including CAA, Aviva, Intact, Wawanesa, and many more. The important thing to keep in mind is to look for a provider that can address your insurance needs. For example, if you are a senior, you may want to use an insurer that specializes in coverage for seniors. Comparing quotes is the most effective way to find the best company for you.

Get a Thunder Bay car insurance quote

Thunder Bay drivers can keep their low car insurance rates by comparing quotes annually. Start a quote online to find out just how much more you can save on your next policy.

Get Started

Sources

* Based on the difference between the average lowest premium and the overall average premium in Ontario for estimates completed from January 1 to March 31, 2023, for drivers with a clean driving record.

Insurance Blog And News

Read our insurance blog to get helpful tips, information and news.

2024-04-25

Compare Thunder Bay Car Insurance Quotes

Drivers can save up to $754* by comparing cheap rates for car insurance in Thunder Bay.

Compare Thunder Bay car insurance quotes from the leading providers

Find lower auto insurance rates in Thunder Bay